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Research Journal of Humanities and Social Sciences
Year : 2019, Volume : 10, Issue : 2
First page : ( 314) Last page : ( 318)
Print ISSN : 0975-6795. Online ISSN : 2321-5828.
Article DOI : 10.5958/2321-5828.2019.00056.1

Self-Help Groups Bank Linkage Programme and Micro-Financing in North-East Region: An Overview

Barman Mridul1,*, Sutradhar Debabrata2

1Research Scholar, Dept. of Management, NEHU, Tura Campus

2PhD, Department of Humanities and Social Sciences, NIT, Silchar, debabrata.01@gmail.com

*Corresponding Author Email: mridulkranti11@gmail.com

Online published on 25 July, 2019.

Abstract

In India, microfinance is provided mainly through two models: the SHG-Bank Linkage Model (SHG-BLM) and Microfinance Institution (MFI)-Bank Linkage Model. After1992, the programme has grown manifold in the case of the SHG-Bank Linkage Model. Today, the SHG-Bank Linkage Programme (SHG-BLP) is the largest microfinance programme in the world. The main objectives of the present paper is to highlight the growth of loan disbursement by Public Sector Banks through micro finance scheme to Self Help Groups (SHGs) in North-Eastern Region of India and to study the inter-state variations in case of savings, loan disbursements, and loan outstanding to SHGs among the North-Eastern States of India. The present study availed data from various secondary sources. The study found that the Loan disbursement by Public Sector Banks through Self Help Groups in North East Region has increased and the total savings of Self Help Group with Public Sector Banks was highest in case of Assam but Sikkim holds first place when it comes to savings per SHGs in North-East Region.

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Keywords

Microfinance, Self Help Groups, NER loan disbursement, Savings of SHGs.

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